L’assurance des dépôts, un instrument de la régulation bancaire
[fre] Après avoir rappelé les justifications économiques d’une régulation du secteur bancaire, cet article s’attache à l’un des instruments de cette régulation, l’assurance des dépôts. En offrant une protection aux déposants, l’assurance des dépôts permettrait de prévenir les paniques bancaires, susceptibles de provoquer une crise systémique. Classification JEL : G28 [eng] Deposit insurance, an instrument of banks regulation After reminding of the economic justifications of bank regulation, this paper pays particular attention to one of the instruments of this regulation, the deposit insurance. While offering a protection to the depositors, the deposit insurance would allow to prevent bank runs and thus reduce the occurrence probability of a systemic crisis. We present the features of such a scheme identified as « optimal » in the academic literature in the sense that they avoid moral hazard and adverse selection phenomena. Thus, ideally, the system should be public and compulsory for all banks ; the guarantee should be limited and all-in price ; the premium paid by the banks should directly depends on each bank’s risk level. Classification JEL : G28
Volume (Year): 60 (2000)
Issue (Month): 5 ()
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- Duan, J.-C. & Simonato, J.-G., 1998. "The Estimation of Deposit Insurance with Interest Rate Risk," Ecole des Hautes Etudes Commerciales de Montreal- 98-07, Ecole des Hautes Etudes Commerciales de Montreal-Chaire de gestion des risques..
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- Rebel A. Cole & Jeffery W. Gunther, 1995. "FIMS: a new monitoring system for banking institutions," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Jan, pages 1-15.
- G. G. Garcia, 1999. "Deposit Insurance; A Survey of Actual and Best Practices," IMF Working Papers 99/54, International Monetary Fund.
- W. R. M. Perraudin & Steven M. Fries, 1991. "Banking Policy and the Pricing of Deposit Guarantees; A New Approach," IMF Working Papers 91/131, International Monetary Fund.
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